
400 GUN CAY LANE, PUNTA GORDA, FL, 33950
Active202 days on marketListed Jan 12, 2026MLS #C7519992
About this home
400 GUN CAY LANE
CUSTOM WATERFRONT HOME WITH POOL and ACCESS TO GULF/OCEAN!!! Waterfront Luxury Home on Blue Crab Bay — Direct Access to Charlotte Harbor! Experience true waterfront living in this 2001 custom-built Sand Star home, perfectly situated on Blue Crab Bay with breathtaking intersecting canal views and direct access to Charlotte Harbor. Boaters will love the convenience of being just 13 minutes from Fishermen’s Village by water, with only one bridge to pass through. The property boasts approximately 140 feet of seawall and a concrete double dock (7' x 30') equipped with electricity, water supply, and a 13,000 lb. boat lift—tailor-made for fishing and powerboat enthusiasts. Home Highlights include 3 Bedrooms & 2 Bathrooms, 2,355 sq. ft. of living space (3,385 sq. ft. total), heated pool and spa with a waterfall feature overlooking the canal, Smart home security system with interior and exterior cameras and an open concept and split-bedroom floor plan designed for comfort and easy access. Step through the foyer into an elegant living space that flows seamlessly between the guest living room, formal dining area, dinette, and family room—all connected by tall sliding glass doors framing panoramic waterfront views. The primary suite exudes luxury and privacy with tray ceilings, crown molding, and natural light throughout. The primary bath includes a soaking tub, walk-in shower, dual sinks, and dual walk-in closets. An adjacent office opens directly to the lanai, perfect for working in serene surroundings. The gourmet kitchen features maple cabinetry, full appliances, a breakfast bar, and abundant storage space. Additional built-ins, bookshelves, ceiling speakers, and aquarium-style dinette windows enhance the home’s stylish character. Enjoy outdoor living at its finest with a screened lanai, poolside firepit, outdoor speakers and tranquil canal views that stretch across the horizon. A small workshop in the garage and ample parking add everyday convenience. Best of all, there’s no HOA, giving you freedom to fully enjoy your waterfront lifestyle. Nearby amenities include lots of dining & entertainment options including downtown Punta Gorda, Fishermen’s Village, Laishley Crab House, Gilchrist Park, and more while also being in close proximity to local beaches including Boca Grande, Cayo Costa, Englewood, and Venice and the Punta Gorda Airport is just 10 minutes away. Discover your tropical oasis — a perfect blend of elegance, comfort, and waterfront adventure. The owner is open to including some furnishings with the sale. This home truly has it all — and it won’t last long!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,355
Sqft
0.24 ac
Lot size
2
Garage
2001
Year built
One
Levels
$376
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$5,986 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,986/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−6.3%
$/sqft vs Punta Gorda actives
$376 vs $206
Days on market
202 vs 59 typical
Where $376/sqft sits among the 400 Punta Gorda actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Punta Gorda Isles
Get to know Punta Gorda. See the full Punta Gorda guide →
Punta Gorda Isles — neighborhood snapshot
Population
10,031
Median age
68
Median income
$97,109
Median home value
$574,467
Avg household
2
Households w/ children
287
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Punta Gorda market
$345K → $345K
Punta Gorda median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
177 of 400
Punta Gorda actives have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 234% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 400 GUN CAY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$719,000
809 LUCIA DRIVE · same community
3 bd · 2.5 ba · 2,353 sqft · $306/sqft · 250 DOM
Sold · Jun ’26$830,000
1110 MINEO DRIVE · same community
3 bd · 2 ba · 2,338 sqft · $355/sqft · 4 DOM
Sold · May ’26$870,000
521 ELEUTHERA DRIVE · same community
3 bd · 2.5 ba · 2,330 sqft · $373/sqft · 22 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 400 GUN CAY LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 400 GUN CAY LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
400 GUN CAY LANE FAQs
What would the monthly payment be for 400 GUN CAY LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,986/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 400 GUN CAY LANE?+
The most recent tax bill on record (2025) was $8,625. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Punta Gorda?+
At $885,000, this home is listed about 157% above the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 400 GUN CAY LANE?+
Sallie Jones Elementary School (elementary), Charlotte High School (high), Punta Gorda Middle School (middle) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$885,000 runs 234% above the PUNTA GORDA 33950 median — but at 2,355 sqft it's also 37% larger than the typical Punta Gorda listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
202 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Sallie Jones Elementary School, Charlotte High School, Punta Gorda Middle School — Sallie Jones Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $900,000, now $885,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SUNCOAST CHOICE REALTY · Rosita Estrella-Fuentes. MLS #C7519992.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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